* Rates shown are based upon credit worthiness and your actual rate may vary from those shown.

Cross Product / Relationship Discount Plan: You may be entitled to receive a preferred rate under this plan. You may be eligible for a rate deduction below the standard rate you qualify for if you have one of the follwoing cross products offered by Ingersoll-Rand Federal Credit Union: Share Draft, Debit Card, IRFCU Visa Credit Card, Direct Deposit to IRFCU accounts, Mortgage or Home Equity, PADS (automatic loan payment system), Virtual Branch Home Banking

* Rates shown are based upon credit worthiness andd your actual rate may vary from those shown.

Cross Product / Relationship Discount Plan: You may be entitled to receive a preferred rate under this plan. You may be eligible for a rate deduction below the standard rate you qualify for if you have one of the following cross products offered by Ingersoll-Rand Federal Credit Union: Share Draft, Debit Card, IRFCU Visa Credit Card, Direct Deposit to IRFCU accounts, Home Equity, PADS (automatic loan payment system), Virtual Branch home banking.

The rates and fees for Investment Properties and loan amounts of under $40,000 and more than $417,000 are different*

30Year Conventional Fixed15Year Conventional Fixed

3.875% @ 0 Points *3.000% @ 0 Points *

3.500% @ 3 Points * 2.500% @ 3 Points *

30 Year HARP(LTV over 105) 15 Year HARP(LTV over 105)

4.000% @ 0 Points 3.125% @ 0 Points

10 Year Conventional Fixed20 Year Conventional Fixed

3.000% @ 0 Points *3.625% @ 0 Points *

2.625% @ 3 Points * 3.250% @ 3 Points *

20 Yr HARP (LTV over 105)

3.750% @ 0 Points

JUMBO LOANS: AMOUNTS ABOVE $417,000

30,25,20 Year Fixed15,10 Year Fixed

Call for RatesCall for Rates

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Adjustable Rate Mortgages

1 Year ARM3 Year ARM5 Year ARM

3.375%@ 0 Points 3.500% @ 0 Points4.000% @ 0 Points

7 Year ARM10 Year ARM

4.250% @ 0 Points 4.625% @ 0 Points

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FHA

30 Year FHA/VA15 Year FHA/VA 30 Year FHA/VA

3.875% @ 0 Points3.250% @ 0 Points 4.125% @ 0 Points

3.500% @ 3 Points 2.875% @ 3 Points

For credit score of 640 and above

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* Mortgages on investment properties are higher!Please contact a Mortgage Representative for the interest rates and fees for investment properties and for loans less than $40,000 or more than $417,000. Toll Free 800-808-2662